Life cover paid for by your company for an eligible employee or working director. It is designed to provide a lump sum for their family if they die during the policy term, subject to the policy terms. A relevant life plan may be a tax-efficient way to arrange cover. Suitability, trust arrangements and tax treatment depend on your circumstances; tax rules may change. I’ll help you understand whether it fits your needs.

Company-paid cover that can help your business continue paying an eligible employee or director if illness or injury stops them working. For a valid claim, the insurer pays a monthly benefit to the business, which can use it to fund sick pay. The amount, waiting period and payment duration depend on the policy. I’ll help you choose cover that fits your earnings and existing arrangements.

Cover to help your company cope financially if a person vital to its success dies, or is diagnosed with a covered critical illness where that benefit is included. A valid claim can provide a lump sum to the company to help with lost profits, recruitment or other costs while it adapts. I’ll help you identify who needs cover and how much the business may need. Benefits and exclusions depend on the policy.

Cover that can provide funds to buy a shareholder’s interest if they die, or suffer a covered critical illness where that benefit is included. It can help the remaining owners retain control while giving the departing owner or their family a route to receive the value of the shares. The insurance needs to work alongside appropriate legal agreements and ownership arrangements. I’ll help you explore suitable cover and coordinate with your solicitor and accountant.